Bank of America® Travel Rewards Credit Card

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-338-9171
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%    
Annual Fee:
Purchase Intro APR:
(12 Billing Cycles)
Purchase Regular APR:
15.99% - 23.99%*
Balance Transfer Intro APR:
Balance Transfer Regular APR:
15.99% - 23.99%*

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate See Terms*
Cash Advance Fee 3%; Min: $10
Late Fee Up to $38
Penalty APR Up to 29.99% APR
Balance Transfer Fee 3%, Min: $10
Foreign Transaction Fee None
Return Payment Fee Up to $27


Welcome Bonus

Earn 20,000 points after you spend $1,000 in the first 3 months.

All Purchases

1.5 points per dollar

No cap on spending

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
It could be better.
by Turr
Helpful to 153 out of 162

Approved for this card, application took about 60 seconds and I got instant approval. $1,500 CL (which I was pretty less than impressed by [FICO at 731]). The 20,000 point sign-up bonus is a little less than sub-par for gaining actual points with BoA. However, since this card comes with No Foreign Transaction Fees with NO AF and has the worldwide acceptance of being a Visa card, it's really a no-brainer to get for someone who travels out of the country or travels in general very rarely. Card looks a little more impressive in person than it does in the pictures, quite a nice shine to the card.

One other downside is the amount of time it took to receive the card in the mail. BoA does not offer credit card numbers after approval so you must wait for the physical card to come in the mail. The website advertises 7-10 business days, which I laughed at and knew wouldn't be true with my history of receiving other cards much quicker than that. However, 10 business days later, this card arrived in the mail. Yes, 10 full business days. Which, depending on the day you're approved in the week could put you at almost 2 full weeks without having your card (which will also count against you spending days that you can contribute to your sign-up bonus since the bonus is given 90 days AFTER ACCOUNT OPEN; that means when you get approved not when you get the card in the mail).

The sign-up bonus isn't really a whole lot of spending but I can see how that would be a problem for people to obtain having missed almost two weeks in just receiving the card.

TL;DR - Fast approval, baby credit limit, sub-par sign-up bonus, no AF, no FX fees, card takes forever to get in the mail.


The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
It does not have proper protection.
by Anonymous
Helpful to 65 out of 73

I was in Paris and when I checked out of my hotel, they made a $18,000.00 error in the bill.  I was not contacted and they allowed the charge.  It was even over my limit.  Now I am fighting a battle with disputing the charge When it is over, I plan to cancel the card.  Be careful!!!!!

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2017 through November 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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